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Jerome Kay

Think watching enough episodes of The Walking Dead is sufficient to keep zombies at bay? Think again. A wire-wrapped baseball bat can only get you so far. It’s always best to be a few steps ahead of the curve when it comes to anything of an undead variety. Even if they’re the kind that are stereotypically portrayed as sluggish. Here are a few ways to keep your brains firmly attached within your skull, in the event of a zombie apocalypse*.

1) Prepare A ‘Zombie Apocalypse Survival Kit’

The most prudent thing is to prepare for any disaster. If you’re already swept up in the horrors of a zombie apocalypse, it’s a little too late for that. You don’t want to be scrambling for solutions when the zombie who was once your postman is slamming his gnarled hands on your door requesting for “Brains!”, do you?

Of course not.

Which is why preparation is key, and this begins with research. First up, we suggest reading through this guide, which states potential situations that may arise when zombies come a-calling. Yes, that’s an actual document prepared by the Centers for Disease Control and Prevention in The United States of America — so it’s no joke.

2) Get Covered

The most full-proof way to protect yourself against the forces of evil? It may not have even crossed your mind while you were busy thinking of purchasing crossbows or putting up an electric fence. Or you know, stocking up on Maggi Mee. This won’t even cost you all that much. All you need is the right term life insurance policy. And thankfully, we at PolicyStreet know just the one for you.

You may be balking at the thought of leaving your life in the hands of an insurance company when there are zombies afoot, but hear us out! First off, we assure you that none of us at PolicyStreet are zombies, nor do we intend to be. In the event that a zombie apocalypse occurs and we are in the line of fire, we want to make sure that your needs are met. Which is why we suggest you take action now.

The policy that’s most suitable in this case would be the Manulife ManuProtect term life policy. It is the cheapest form of Term Life Insurance in Malaysia. Signing up for the Manulife policy will guarantee a pay-out of RM50,000 – RM600,000 in the event of death and total permanent disability from both natural and accidental causes. Find out more about how PolicyStreet can help you out by visiting our page.

3) Protect Your Loved Ones

Yes, you will indirectly be protecting your loved ones by signing yourself up for the term life policy. However, it would also be sensible to get them to sign up as well. After all, you never know who the zombie clan is going to go after. If one of your loved ones ends up joining the undead party and they aren’t sufficiently covered — you’ll be the one running for your life.

Time is of the essence, and life insurance is best suited for young adult applicants, so sign up your family members now! Although there are only individual policies available, with rates as low as RM5 per month, do you really need to think twice? Trust us, we’ve got your back. The policy also covers you worldwide, so it doesn’t matter where you are when zombies attack – you’ll be safe.

4) Know Thy Enemies

You know what else will happen if there’s a zombie apocalypse? Other parties trying to cash in on the disaster. It’s bound to happen, but if you’re aware of the risks and know exactly what to expect, then you’re already in a better position to protect yourself. Brace yourself for other ghouls in sheep’s clothing trying to trick you into thinking that they have your best interests at heart. They will attempt to use your fears to their advantage, but don’t fall into that trap.

There are other ways to guard yourself that don’t involve deals with the devil. With us, we promise what you see is what you get, and you will be given all the information necessary. We can’t speak for others, but we can guarantee that on our part, we will always be transparent and honest with you from the get-go.

5) Sit Back and Relax

Congratulations, you’ve passed all the levels necessary to defeat the big bad zombie fest, and you didn’t even have to leave your house. Yes, in case we forgot to mention it earlier, you can sign up for our policies online, just head to our website and fill up the form. There is also no need for any medical check-ups, as you will just need to truthfully answer some questions online.

Looks like defeating zombies isn’t too difficult after all. We just need to work together, and all will be well. Now that all that’s been settled, anyone up for a zombie dance-off?

*Whether taken figuratively or not, it is always best to prepare for the worst. We at PolicyStreet want to ensure you have the best options available for Term Life Insurance, at the cheapest cost possible. With this policy available online, we hope more Malaysians will recognize the importance of Term Life coverage, not only to protect themselves in the event of a death or permanent disability, but their loved ones too.

There’s no time to waste, so take action NOW. Protect yourself by visiting our website or consulting us on our Facebook Page. We’ll be happy to be part of your personal zombie annihilation program.

Everyone’s caught up with how to make money. But what about how to manage it?

You’ve heard the adage “A dollar saved is a dollar earned”. Here’s the thing, it’s not that simple. Personal finances isn’t all about spending as little as possible. It’s about putting it in the right place.

These are the things they don’t teach you in college.

Get one credit card. ONLY ONE!

Hold one a minute. Wouldn’t that encourage spending money I don’t have?

Nope. We’re not endorsing the habit of spending now and paying later. The practicality of having a credit card is actually to obtain a credit score. It’s basically a statement that says hey this person is capable of paying his/her dues. Banks look at your score when you ever want to take a loan someday.

And you will, when you want to buy property. Having a good credit score increases your likelihood of getting your loans approved, speeds up that process, and even allows more credit to be available to you.

So don’t wait until the day you decide to buy a house to start having a credit history. All you have to do is get one credit card that suits your needs and consistently pay your debt on time.

Start putting money aside for retirement.

You just graduated. You got your first job. You transition to a life of gruelling hours. Of course, you want to spend your hard-earned money on nice things.

Nor is it the outbreaks we read about in South East Asian news every other year. We hear more about things like Zika because they’re easy to sensationalize in the media. It’s time we look at the bigger picture.

Ischaemic heart disease, a phrase you could probably go your whole life without hearing, is also known as coronary heart disease. For the uninitiated, it’s a condition where your blood vessels get narrowed or blocked.

In other words, heart attacks.

Statistically speaking, your heart is more likely to kill you than your brain, lungs, or liver. More likely than even car crashes.

It wouldn’t be odd if our neighbours had the same stats. That’s not the case, though. Singapore’s number one killer is cancer and Thailand’s is stroke.

So what’s going on?

We may have ourselves to blame

There’s a simple explanation by Dr. Omar, deputy director of the Ministry of Health Disease Control Division.

Most of us are guilty of at least one of these things. Think about it. If you work in an office job, you’ll be sedentary for hours each day. And many of us are food lovers, too.

It’s also worth noting that 47% of Malaysians are overweight or obese.

So we’re not taking this for granted, and neither should you.

Prevention begins today

You’ve heard it before, but your best bet on preventing this is as simple as a lifestyle change.

Start by cutting down on foods that are high on bad cholesterol. You don’t want too much of those clogged in your blood vessels.

In fact, get a blood test at your nearest clinic if you haven’t done so before. Your doctor can explain the numbers to you. If you already have high cholesterol, start eating whole grains, beans, and nuts.

Secondly, get more active!

The very minimum is dead simple. If you sit around staring at your computer all day, just get up more often. Stretch your legs, get a drink. Then work your way up to taking the stairs instead of the lift. And spend less time getting the closest possible parking spot. Just keep moving.

And don’t forget to get yourself insured.

Even if you’re skinny and healthy right now, do it before you have any medical history (it’ll be crazy expensive by then). Visit any reputable insurance company for medical insurance, or you can consult us about medical insurance on our Facebook page. It will be worth every penny.

You may not think that knowing Heidi Klum’s legs were insured is an important fact, but someday down the road if you’re on a date and stumped for a conversation topic, you’ll thank your lucky stars you read this post. Here are 10 wacky insurance policies that actually exist!

1) Body Part Insurance

If you’re a celebrity, you can get away with a lot. This extends to insurance policies for specific body parts. Though it’s often rumoured, Jennifer Lopez has vehemently denied that her butt is insured. However, Heidi Klum can’t do the same, as a client once insured her legs in 2004. The catch though is that one of her legs was deemed less valuable than the other, due to some scarring. Man, even supermodels can’t catch a break! Lloyd’s of London is one company known for assisting on celebrity insurance policies – they’ve been at it since the 1930s!

2) Alien Abduction Insurance

The truth is out there, and so are insurance policies for those who think they may have to worry about close encounters of the fourth kind. Alien abduction stories must have been at an all-time high in the late 80s to mid-90s, because that’s when a lot of these policies seem to have cropped up. Getting this insurance policy for yourself will set you back only about $10 USD, and if you can prove that you were indeed partying in a spaceship where no man has gone before, you can claim “$1 a year for the next ten million years”.

3) Mosquito Bite Insurance

Hey, that’s us! We’ve got a spot on this list too, blame the mosquitoes. Anyone in Malaysia will know the perils of being surrounded by mosquitoes. It makes matters worse that mosquitoes can infect humans with many viruses and diseases. PolicyStreet recognizes this, and we strive to protect you in the event that you are diagnosed with Dengue Fever or Zika Virus. You will need to provide the relevant documentation to be eligible. Our Mosbite Insurance is currently the ONLY dengue-specific cover in the market to date!

4) Chimpanzee Insurance

Who says insurance policies are for man alone? Lloyds makes the list once again, for another bizarre policy concerning a chimpanzee. In the late 19th century, the owner of the aforementioned chimp took out an insurance policy that would require payment when the animal died. This task was handled by famous Lloyd’s underwriter Cuthbert Heath, who not only paid out the insurance in full when the chimpanzee died, but supposedly also had the animal stuffed and kept in his office.

5) Falling Coconut Insurance

This may sound like something out of a cartoon, but the fact is that coconuts are deadly. So deadly that “death by coconut” has its own Wikipedia entry. Alright, perhaps coconuts aren’t as deadly as sharks, but they have warranted enough concern that people want to be protected in case of a coconut-related emergency. An insurance company called Club Direct covered clients for coconut damages. It turned out to be useful, as a client was hit on the head by a coconut, and suffered a concussion. Since she was covered by that policy, her hospital bill was paid in full.

6) Wedding Insurance

Regretting your decision to get married? Well speak now or forever regret it, because if you sign up for wedding insurance and under some unfortunate circumstance the ceremony is called off– there will be a pay-out. It isn’t only applicable if bride or groom decides to ditch, it could take effect in the event of any emergency or accident that impedes the big day. Since so many vendors have a stake in events like this, getting wedding insurance isn’t actually such a bad idea. This insurance also is great if there is any mishap at the wedding ceremony itself, which will definitely be a good way to ensure peace of mind on a very important day.

7) Paranormal Insurance

No, this doesn’t entail a visit from The Ghostbusters, but it most definitely was a real policy. In 2002, a pub landlord at the Royal Falcon Hotel decided he’d had enough of the spooks terrorizing his establishment, and took out an insurance policy with the company Ultraviolet. As the paranormal activity in the location was said to be of a violent nature, the policy stated that up to £1m would be paid if staff or customers were harmed by the any abnormal means whilst on the premises. Ultraviolet’s policy was called Spooksafe Insurance, and also offered protection if a claimant alleged they had turned into a werewolf or vampire. Twilight fans, take note.

8) Clown Insurance

Nothing funny about this, because clowns apparently need insurance too! Performing clowns who are members of Clowns of America International (COAI) will be able to sign up for an insurance policy. The policy is open to performers of vast talents, such as puppeteers, storytellers, jugglers and balloon artists. They will be eligible to be covered so long as they are members of the association. Even assistants can be covered under this particular policy. Though there isn’t much information available on what the policy covers, it does include bodily injuries or property damage.

9) Loch Ness Insurance

The Loch Ness Monster, or Nessie as she is fondly known, is a very important figure in Scotland’s lore and she manages to make her presence felt despite her lack of actual presence. That’s why it’s not at all shocking that a cruise ship company took out an insurance policy in case Nessie ever decides to wreak havoc on their vessel. Though it’s been over 80 years since Nessie made her first appearance, it’s safe to say that those in the city of Inverness would rather be safe than sorry. No word on Nessie’s thoughts though.

10) Riot Insurance

In 2010, Thailand offered insurance to anyone who was harmed in riots and demonstrations in Bangkok. Despite the state of political disorder, the country thought it would be prudent to ensure tourists still visited Thailand. The policy was worth $10,000 and covered any foreigner who experienced loss or damage as a result of the political chaos, natural disaster or terrorist acts in Thailand. The policy also covered loss of life, limbs, sight, permanent disabilities and hospital expenses.

Insurance might be a boring topic to talk about, but that didn’t stop the people from being creative and peculiar about protecting their “assets.” In fact, PolicyStreet has got a pretty wacky new insurance, and that is to protect your dogs and cats!

A Malaysia’s first, PolicyStreet has announced a synergistic collaboration with our insurance partner MSIG Insurance (Malaysia) Berhad (MSIG) to distribute the one and only online “Pet Insurance” in Malaysia.

This insurance is an annual premium cover, and starting from RM18/month (including GST), it covers veterinary and surgical bills, prescribed drugs and injections (subject to policy terms and conditions) to help dogs and cats in Malaysia get the best chance at recovery from sickness and accidental injuries.

Other notable benefits include owners being reimbursed the purchase price or adoption fee if their pets pass away due to illness or accidental injury, and burial or cremation costs for these pets. And the wonderful part is this insurance can be purchased instantly online with no hassle. Find out more about this new “wacky” insurance now!